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  • 2m.
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    What Are Your Student Loans' Essential Elements?

    Interest rates and borrowing limits are among the most important things to know about your student loans.
    Updated: July 1, 2017

    The Periodic Table Of Student Loans

    Student loans can be tricky, but the combination you borrow doesn't need to be as complex as a molecular formula.

    This chart lays out the essential elements of the student loans you may take out on or after July 1, 2017 and before June 30, 2018: their current interest rates and the maximum amounts you can borrow.

    Once you wrap your head around this information, mastering your student loans will only be about as hard as showing up on time for that 8:00 a.m. chemistry class.

    Loan Type

    Interest Rate

    Annual Borrowing Limit For Undergrad Students

    Total Borrowing Limit For Undergrad Students

    Annual Borrowing Limit For Grad Students

    Total Borrowing Limit For Grad Students

    Subsidized Stafford 

    4.45%

    Varies

    $23,000

    N/A

    Unsubsidized Stafford

    Undergrad: 4.45% 

    Grad:
    6%

    Varies

    $138,500

    Perkins 

    5%

    $5,500

    $27,500

    $8,000

    $60,000

    Parent PLUS 

    7%

    Cost of Attendance

    N/A

     Grad PLUS 

    7%

    N/A

    Cost of Attendance

    Institutional 

    Varies

     Private 

    Varies

    Cost of Attendance

    Consolidation 

    Varies

    Total Federal Student Loan Debt

    Health Professions Student Loan (HPSL) 

    5%

    Cost of Attendance

    No Limit

    Cost of Attendance

    No Limit

    Loans For Disadvantaged Students (LDS) 

    5%

    Cost of Attendance

    No Limit

    Cost of Attendance

    No Limit

    Primary Care Loan (PCL) 

    5%

    Varies

    No Limit

    Varies

    No Limit

    Nursing Student Loan (NSL) 

    5%

    Varies

    $17,000

    Varies

    $17,000

     

    Note: Certain details about your loans may vary depending on your specific situation.

    Check out saltmoney.org for more tools, tips, and information about borrowing and repaying any of the types of loans listed here.

    Interest rates and borrowing limits are among the most important things to know about your student loans.
    Actualizado: 1 julio 2017
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